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8 years sober today! I love AA.
any fishes in Memphis, TN ?
Hello everyone,
You might be aware fis has laid off thousands of employees, I am also affected by it. I am on notice period till 30 December. I request you all if anyone knows any openings for Java developer or Python developer please let me inform🙏. Currently I am going very tough situation😢. I have 2 years working experience.
I am working on credit card payment domain in FIS as a java developer.
E-mail - vedant.pathak100@gmail.com

I got an offer from another company. Currently working in walmart. The main idea behind getting an offer is to ask for a salary rise. I was very much underpaid here. So I thought getting an offer will help increase my pay here in walmart by getting counter offer from them. But i am not sure if I discuss with my manager it will backfire me.Walmart
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Looks like stocks are back on sale
Does anyone put money into CDs anymore?
Is stock market surging tomorrow?
If you have cash that you want to invest. Please consider Treasury Series I Savings Bond (Electronic). Interest is 7.12% right now. While it's not guaranteed that the 7.12% will remain until next year, it's still a good deal.
My SO and I just invested 20k (10k max per person even married).
https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm
Where are my swing traders at??
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Conversation Starter
Why are you sitting on that much money? And unless you’ve got a big family or huge mortgage, that’s a very large emergency fund in my opinion.
Yes start DCA now. Time in market > timing the market and all that good stuff
$130k is from a recent RE sale. I am comfortable keeping the large emergency fund. For $130k, how long do you suggest to DCA?
Chief
If you goal is DCA, you shouldn't be as focused on when the markets are going to drop. That is the point of DCA to eliminate market fluctuations. If you did lump sum - I'd say hold off. But DCA is the way to go
Wait for drop, then lump-sum. My gut says this is correct and I’ve been taking probiotic supplements. (I’m in the same boat as you OP but less dollar bills.)
Rising Star
Math says to put it in as a lump sum, but you seem like you would be uncomfortable doing that. Next best option is to put around $25k (or whatever amount you can stomach) in each month until you’ve invested it all. The key is to create a calendar reminder for whatever day you are going to invest for each month right now, otherwise your brain will try to convince you that you can beat the market by waiting or investing more than planned - don’t listen to your brain - just stick with your plan.
Stats historically favor time in the market, aka lump sum, however many large companies are very uncertain of the economic outlook of the next year. Service jobs took the immediate brunt of the pandemic, white collar is next.
I’d DCA or wait for real estate if that’s something you want in your portfolio.